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I don't think it takes a rocket scientist to realize that Windows is horribly insecure out of the box (although SP2 helps quite a bit). But for those of you acting like it is impossible to run Windows on a 24/7 broadband connection without a firewall and/or virus scanner without getting infected, I have one thing to say to you:
You guys are full of shit. It is very possible and that is a verifiable FACT. And not only is it possible, it's actually pretty easy. Of course, if you could actually see past your own religion, maybe you'd be smart enough to figure that out.
As for out of the box experience, a $40 firewall router that puts you behind a NAT will pretty much take care of those worms .. it'll hit the router and scan it like a Windows box looking for vunerabilities, and of course it won't find anyway.